Why invest?

Investing can be a great way to get more from your money

We are all born with dreams like owning your own home, an education for your kids, a comfortable retirement someday and a little fun along the way. Becoming investors can help us achieve them.

FirstStep gives you access to a range of 'Investment Options'. Each represents a different mix of investments and each feels and is different. FirstStep’s range of Investment Options allows you to choose what sort of investment portfolio you will have.

The core of your portfolio

To help you get started, our experts have put together three simple options - defensive, balanced and growth.

Defensive

For the laid-back investor

Defensive Chart

Exposure

Defensive Assets 65%
Growth Assets 65%

Low risk, lower return

  • Risk
  • Return
  • Lower
  • Med
  • Higher

Balanced

For the middle of the road warrior

Balanced Chart

Exposure

Defensive Assets 40%
Growth Assets 60%

Medium risk, medium return

  • Risk
  • Return
  • Lower
  • Med
  • Higher

Growth

For the long term adventurer

Growth Chart

Exposure

Defensive Assets 5%
Growth Assets 95%

High risk, higher return

  • Risk
  • Return
  • Lower
  • Med
  • Higher

Core investment options invest in three exchange traded products (Australian Shares Index, International Shares Index, Australian Fixed Income) managed by Vanguard and gives exposure to a diversified investment portfolio focussed on your choice of risk

Make your portfolio your own

The thematic Investment Options let you dress up your portfolio to match your mood, your world view, what you like and dislike, what's important to you. They're investment add ons which flavour your basic approach so that your investing can be more like you.

You can change the core investment option and add as many thematic options as you want through the App. It's up to you.

Tech

Learn more

Ethical

Learn more

Health

Learn more

Asia

Learn more

Withdraw funds anytime

Open the App and withdraw your funds back into your bank account at any time. We usually pay money to your linked account pretty quickly.

Don't sweat the big stuff

FirstStep manages each Investment Option, doing the hard things like choosing which things to invest in and when, portfolio rebalancing, and reinvesting dividends.